摘要
近年来,小企业金融逐渐成为不少商业银行的战略性业务,小企
业信贷业务风险管理也成为了商业银行风险管理的重要内容。由于作
为授信对象的小企业普遍存在缺少抵押、质押、财务报表不规范、信
息不对称和道德风险、高倒闭率等内在问题,小企业信贷风险管理难
度普遍较大

邮储银行F省分行开办小企业贷款业务一年以来,业务稳步发
展。但随着小企业信贷规模的扩大和产品的丰富,小企业信贷风险管
管理难度日益增加,而宏观、微观经济环境和金融市场的不断变化也
加大了小企业信贷风险管理的复杂度。小企业信贷业务面临如何在日
益与国际接轨的资本监管制度标准下实现业务发展与风险管控的同
步、在小企业信贷业务中如何改进风险管理策略和措施的问题

本文采用理论与实践相结合的研究方法,在『金融监管、风险管理
等金融理论的基础上,通过对信贷风险管理理论的学习、邮储银行小
企业信贷业务风险管理现状的实地调研和对包括巴塞尔协议II和巴
塞尔协议III在内的新巴塞尔协议在小企业信贷业务经营管理中指导
作用的研究,力求发现并在一定程度上解决邮储银行在小企业信贷业
务风险管理中存在的问题。文章以信贷风险管理理论为基础,分析了
新巴塞尔协议对小企业信贷业务的影响,在分析新巴塞尔协议最低资
本要求、风险计量方法和缓释工具等基础上,结合邮储银行F省分行
的实际提出了基于新巴塞尔资本协议的小企业信贷风险识别、计量、
监测和控制等风险管理策略,并提出完善小企业信贷风险内控体系、
改进小企业内部风险控制、完善和优化小企业信贷制度、优化小企业
信贷资产结构及资产管理和优化小企业信贷人力资源管理等具体优
化和改进措施

关键词新巴塞尔协议,邮储银行,小企业信贷,风险管理
ABSTRACT
The small business finance gradually become strategic business of
some commercial bank. The risk management of small business credit as
an important content of risk management of most commercial Banks. Due
to the small businesses as credit object widespread lack of mortgage,
pledge, financial statements is not standard, information asymmetry and
mora】 risk, high rate of internal problems such as collapse of small
business credit business, so the risk management of small business credit
is more difficult than that of others.
But with the expansion of the scale of credit for small businesses and
the credit products enriching, small business credit risk management
increasing more and more difficult. And economic environment changing
and the change of the financial markets have also increased the
complexity of the small business credit risk management.
39;Rules for Regulating the Capital Adequacy Requirement of
Commercial Banks39; which was revised by China Banking Regulatory
Commission (CBRC) in , demonstrated that the domestic banking
supervision started introducing the new Basel standards. In , the
banking regulator is the commercial bank capital management method
open for comments, and implementation of the methods and determined
schedule. Establishing a new small business credit business and will
gradually expand the company credit range of PSBC branches in
increasingly how province F with international capital regulatory system
to realize the standard business development and risk control
synchronous How to improve risk management strategy and measures in
Small business credit business in By using the theory of the combination
of practice and research methods, in financial supervision and financial
risk management based on the theory of PSBC, through to small business
credit business risk management present situation investigation to the
new Basel agreement and in small business credit business management
ii
guideline in the function of, and strive to find PSBC in the small business
credit business risk the problems existing in the management. Based on
the analysis of the new Basel minimum capital requirements, risk
measurement method and slow-release tools basis, combining with PSBC
branch of actual F province was put forward based on the new Basel
capital accord the three pillar of small business credit risk management
strategy, and puts forward concrete measures to optimize and improve.
KEY WORDS Postal Savings Bank of China, Small Business Credit,
Basel Capital Accord, Risk management
目录
■ $ I
ABSTRACT II
第一章绪论 1
1. 1选题背景和意义1.1.1选题背景1. 1. 2选题意义1.1. 3国内外研究现状和水平1. 2研究内容和思路第二章小企业信贷业务风险管理理论基础2. 1小企业信贷业务风险研究的有关理论2. 1. 1信贷配给理论2. 1.2信息不对称理论2. 1. 3信息传递理论2. 1. 4信息甄别理论2. 1. 5委托代理理论2. 2小企业信贷业务风险分析2. 2. 1信用风险2. 2. 2市场风险2. 2. 3操作风险2. 2. 4法律风险2. 2. 5声誉风险2. 2. 6流动性风险第三章新巴塞尔协议及其对国内银行业及小企业信贷的影响3. 1新巴塞尔协议介绍3. 1.1发展历程3. ].2主要内容3. 2新巴塞尔协议对国内银行业和+企业信贷\k务的影响
22
3. 2.]新巴塞尔协议对国内银行业的影响
22
3. 2. 2新巴塞尔协议对小企业信贷业务的主要影响
26
第四章基于新巴塞尔协议的邮储银行F省分行小企业信贷业务风险管理现状与流
mm 28
4. IF省分行小企业信贷业务风险管理现状
28
4. 1. 1邮储银行及F省分行小企业信贷业务概况
28
4. 1. 2F省分行小企业信贷风险管理现状
33
4. 2基于新巴塞尔协议的F省分行小企业信贷业务风险管理流程改进 42
4. 2. 1小企业信贷风险识别
43
4. 2. 2小企业信贷风险计量
45
4. 2. 3小企业信贷风险监测
47
4. 2. 4小企业信贷风险控制
49
第五章基于新巴塞尔协议的邮储银行F省分行小企业信贷业务风险管理改进措施54
5. 1F省分行小企业信贷业务风险管理目标
54
5. 2F省分行小企业信贷业务风险管理改进措施
54
5.2. 1完善小企业信贷风险内控体系
54
5. 2. 2改进小企业信贷风险评估与监测
56
5. 2. 3完善和优化小企业信贷制度
58
5. 2. 4优化小企业信贷资产结构和资产管理
60
5. 2. 5优化小企业信贷人力资源管理
61
5. 2. 6建立信息交流、反馈和披露机制
63
5. 2. 7培育优秀信贷风险文化
63
第六章结论与展望
65
6. 1主要结论及创新点
65
6. 1. 1主要结论
65
6. 1.2论文创新点
65
6. 2论文不足及研究展望
66
6. 2. 1论文不足
66
6. 2. 2研究展望
66
参考文献 67
v
硕上学位论文
笫一章绪论
第一章绪论
1.1 选题背景和意义
1.1.1选题背景
从工信部发布的数据来看,到8月,我国中小法人企业数量超过1000
万户,占企业总数的99%,其中
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